Features & Benefits of Star Surplus Insurance:

Minimum- Rs.7 lakh for individual and Rs.10 lakh for family floater plan over and above deductible Maximum- Rs.10 lakh for individual and family floater health insurance plan over and above deductible

Cover

In patient hospitalisation

Cashless facility

Room rent

Doctor fee

Re-imbursement

Drug and medicine expenses

Key features

It is a top up policy aimed to protect the policyholders from higher claims

The policy can be bought online

Cashless hospitalisation

Direct in-house claim settlement

Hassle free claim settlement

Benefits

Pre-existing diseases are covered after 36 months of continuous insurance

No pre policy medical check-up required

Deductible as opted is applicable for each and every hospitalisation

Tax benefits

Tax benefits

Tax benefits under section 80D of the Income Tax Act

Free look period

A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of the expenses incurred at the time of availing the policy.

Exclusions

No claim period- Any disease contracted during the first 30 days of commencement of the policy

Deductible-Rs.3 lakh for Individual cover and Rs.3 lakh/ 5 lakh for Family Floater

Cosmetic procedures

Naturopathy

Non allopathic treatment

No immediate cover for pre-existing diseases

Read terms, conditions and exclusions mentioned in the policy document.

Star Super Surplus ‘Gold’ Variant:

A basic insurance cover offers protection against certain scenarios, but life can often take unexpected turns, putting us in a spot of bother. Star Super Surplus Gold Plan is a specialised product which offers additional protection during these unexpected situations, ensuring that one is prepared to tackle any eventuality. Available as an individual and floater plan, this caters to specialised needs of individuals.

The primary advantage of the Gold Plan lies in its attention to detail, with Star Health Insurance offering customised solutions to policyholders. Facilities like air-ambulance, high cover, lifelong renewal and no pre-insurance medical check-ups ensure that one can carry on with their normal routine, staying rest assured that their health is taken care of, under all circumstances. The option to avail a second medical opinion under this plan highlights their concern for your health, ensuring that a policyholder has access to all facilities required.

Features and Benefits of Star Super Surplus Gold Plan:

Entry age

Minimum – 8 years
Maximum – 65 years
Children over the age of 3 months can avail protection under this plan, subject to their parents purchasing it